SBA 7(a) Eligibility for Company With International Operations?
November 05, 2025
by a searcher from Duke University - The Fuqua School of Business in Hickory, NC, USA
Hi all!
Looking for insight from anyone who has navigated SBA lending with international operational exposure.
I'm evaluating a business where:
- The majority of value-added activity (manufacturing + core processing) happens overseas through supplier partners
- The finished product is sold internationally (no meaningful U.S. customer base)
- The company operates from the U.S. with 5 out of 6 employees based here (management, customer service, sales support)
- Revenue flows through the U.S. entity
- The U.S. team directs operations and owns the customer relationships, but fulfillment is international
Question:
Would this structure likely qualify for SBA 7(a) financing? Or does the absence of a domestic customer base and majority of value creation occurring abroad make SBA approval unlikely?
If you’ve closed a deal with similar characteristics (international production + international revenue, but U.S. corporate HQ & employees), I’d love to hear your experience — particularly how lenders viewed:
- U.S. job creation / retention requirements
- SBA rules related to foreign operations and export revenue
- Whether a U.S.-based operating footprint was enough to satisfy eligibility
Any guidance or lender recommendations familiar with this setup would be greatly appreciated.
Thanks in advance!
from American University in Irvine, CA, USA
in Windermere, FL 34786, USA